Hi Gurus, I currently invest 45k in SIP, 12k in NPS, 10K in PPF and have 5 L in FD....My current MF is 1.3CR and have 10 L in Stocks I am 35 years old and wish to retire by 50. Let me know how much corpus will ne generated approx until I retire and do I need to make any extra investment.

Ans: You've made commendable strides in building your investment portfolio at 35, with investments in SIPs, NPS, PPF, FDs, MFs, and stocks. Let's try to gauge the potential corpus you might accumulate by the time you retire at 50 and discuss any potential gaps or extra investments needed.

Estimating Corpus:
To estimate the potential corpus by the time you retire, we need to consider:

Rate of Return: Assuming an average annual return of 10% on your investments.
Regular Investments: You mentioned investments in SIPs, NPS, PPF, and FDs.
Based on the above assumptions, you can use an online SIP calculator or consult a financial planner to get an estimated corpus. Considering your current investments and regular investments, you're on track to build a significant corpus by the time you retire.

Additional Investments:

Increase SIP Amount: Given your goal to retire by 50, you might consider increasing your SIP amount periodically to boost your retirement corpus. Even a modest increase in monthly SIP amount can significantly impact the final corpus due to the power of compounding.
Equity Exposure: As retirement is still 15 years away, you can afford to have a higher equity exposure to benefit from the higher return potential of equities over the long term. Consider reviewing your asset allocation and increasing equity exposure if deemed appropriate.
Tax Planning: Explore tax-saving investment avenues like ELSS funds, NPS, or tax-saving FDs to optimize tax liability and enhance post-tax returns.
Consult a Certified Financial Planner:
Given the importance of retirement planning and the complexities involved, it's advisable to consult a Certified Financial Planner. They can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you calculate a more accurate retirement corpus, suggest suitable investment strategies, and guide you on achieving your retirement goals.

Remember, retirement planning is a long-term commitment, and regular review and adjustments are essential to stay on track towards your retirement goals. Best wishes on your journey towards a comfortable retirement!